Waiver Requirements & Instructions for F1 Students
To waive the St. Thomas-sponsored health insurance plan your policy must:
- Be compliant with the Affordable Care Act
- Cover the following essential health benefits:
- Ambulatory patient services (outpatient care without being admitted to a hospital)
- Hospitalization (like surgery and overnight stays)
- (both before and after birth)
- , including behavioral health treatment (this includes counseling and psychotherapy)
- Prescription drugs
- Rehabilitative and habilitative services and devices (services and devices to help people with injuries, disabilities, or chronic conditions gain or recover mental and physical skills)
- Laboratory services
- and chronic disease management
- Cover pre-existing conditions without limitations
- Provide unlimited coverage
- Cover the following essential health benefits:
- Be through a U.S.-based insurance company with a U.S. claim address
- Have active coverage through May 31, 2025
- Provide Emergency Evacuation and Repatriation Coverage
- This coverage provides for medically necessary evacuation to a medical facility and medically equipped flights to return home. In the event of death, it covers the costs associated with returning the student's body to their home country.
Deadline to submit a waiver request for Spring semester: February 28, 2025.
Contact the Center for Well-Being Health Insurance Office
For questions regarding the Health Insurance Plan or enrollment process, please contact us at (651) 962-6752 or stuhealthins@stthomas.edu.
Steps to Waive
- Go to
- Select Waive Coverage
- Enter your St. Thomas ID and Date of Birth to log in
- Complete the Waiver:
- Review Student Information
- Answer Waiver Questions
- Enter Your Insurance Information
- Sign and Submit
Watch the video.